What is CTBI's P/E ratio?

COMMUNITY TRUST BANCORP INC (CTBI) currently trades at a P/E ratio of 13.13.

COMMUNITY TRUST BANCORP INC reports a Return on Equity (ROE) of 12.11%.

What is CTBI's dividend yield?

COMMUNITY TRUST BANCORP INC offers a dividend yield of 2.71%.

What is CTBI's Quality Score?

Our AI rates CTBI's overall financial quality at 38 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy CTBI?

Our AI Timing Score for CTBI is 91 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

Which sector does CTBI belong to?

COMMUNITY TRUST BANCORP INC is classified under the Financial Services >> Banks - Regional sector on the NASDAQ exchange

CTBI (NASDAQ) Stock Analysis | COMMUNITY TRUST BANCORP INC

Stock Check Daily update data at 8:30 AM
(Price: 2026-07-31 | FS: 2026-06-30)

CTBI AI Analysis Summary

Our AI summary for CTBI: COMMUNITY TRUST BANCORP INC (NASDAQ), Financial Services >> Banks - Regional sector. The stock currently trades at a P/E of 13.13, ROE of 12.11%, a dividend yield of 2.71%. Its financial Quality Score stands at 38/100 — fundamentals below the market average. The AI Timing Score is 91/100 — multiple technical signals currently support price momentum. All scores are recomputed automatically after each market close from official exchange data. This is systematically generated analysis, not personalized investment advice.

CTBI

COMMUNITY TRUST BANCORP INC

USD 78.45

0.38 (0.49%) Day Change

Watchlist Portfolio Compare Chart

13.13

P/E

0.33

D/E

12.1%

ROE

1.6%

ROA

2.71%

Div Yield

2.11

PEG

Data partially updated

COMMUNITY TRUST BANCORP INC
TYPE: STOCK
MARKET: NASDAQ

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USD 78.45 Price 0.38 (0.49%) Day Change	NEWS SCORE: 99

CTBI, the overall quality is not good ( Quality = 38) but the timing to buy is ...(Sign In to See)...

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38 QUALITY

Signal: UNDERPERFORM

Signal Description: Company financial health is Not Good

Reason: ROE is relatively low.
ROA is relatively low.
Acceleration of ROE growth rate is below our criteria.
Historical ROA is relatively low.
Acceleration of ROA growth rate is below our criteria.
Historical ROA is relatively low.
Historical ROA is relatively low.
Acceleration of net profit margin growth rate is below our criteria

88 Sign in

TIMING

Signal: OUTPERFORM

Signal Descri...: Good

Reason: Momentum indicators aligned on the daily timeframe

Unlock timing signals and detailed reasons

In details, quality factors are not good , financial health is not quite good , and ability to make profit is ok , ...

Quality Factors

45%

In Recommendations?	Not in any sections
Select Rate	0.00 From 30 days period
Watch Rate	0.00 From 30 days period
News Score	99
Magic Formula Rank by ROA	1960
Magic Formula Rank by ROE	1960
Magic Formula Rank by ROIC	1340
Price	78.45
PBV / Sector	1.59 / 1.42 GOOD
Earning Per Share	5.97

PE / Sector	13.13 / 13.75
PEG or PE/Growth / Sector	2.11 / 0.61
Average 1M Daily Value	9.83 M
Average 1W Daily Value	8.85 M

Timing Factors

71%

MACD	SIGN IN
MACD Signal	SIGN IN
MACD Divergence	SIGN IN
RSI	SIGN IN
Stochastic Oscillator K	SIGN IN
Stochastic Oscillator D	SIGN IN
ADX	SIGN IN
Avg 5 day Timing Score	SIGN IN

Financial Health

56%

DE / Sector	SIGN IN
DE Average / Sector	SIGN IN
DE Change Average (%) / Sector	SIGN IN
Current Ratio / Sector	SIGN IN
Current Ratio Average / Sector	SIGN IN
Current Ratio Change Average (%) / Sector	SIGN IN
Quick Ratio / Sector	SIGN IN
Quick Ratio Average / Sector	SIGN IN
Quick Ratio Change Average (%) / Sector	SIGN IN
FCF/Share / Sector	SIGN IN
FCF/Share Average / Sector	SIGN IN
FCF/Share Change Average (%) / Sector	SIGN IN

Ability to Make Profit

68%

GPM (%) / Sector	SIGN IN
GPM Average (%) / Sector	SIGN IN
GPM Change Average (%) / Sector	SIGN IN
OPM (%) / Sector	SIGN IN
OPM Average (%) / Sector	SIGN IN
OPM Change Average (%) / Sector	SIGN IN
NPM (%) / Sector	25.55 / 20.62 GREAT
NPM Average (%) / Sector	25.49 / 19,963.58 GREAT
NPM Change Average (%) / Sector	-4.43 / -8.42
Asset Turnover / Sector	SIGN IN
Asset Turnover Average / Sector	SIGN IN
Asset Turnover Change Average (%) / Sector	SIGN IN
ROA (%) / Sector	1.55 / 1,268.52
ROA Average (%) / Sector	1.44 / 254.57
ROA Change Average (%) / Sector	0.71 / 44,002.31
ROE (%) / Sector	12.11 / 2,865.19
ROE Average (%) / Sector	11.73 / 581.17
ROE Change Average (%) / Sector	-1.45 / 7,372.49
ROIC (%) / Sector	SIGN IN
ROIC Average (%) / Sector	SIGN IN
ROIC Change Average (%) / Sector	SIGN IN

Return to Investors

12%

Dividend (%) / Sector	2.71 / 2.41
Dividend Average (%) / Sector	3.72 / 46.24
Dividend Change Average (%) / Sector	-9.40 / -0.26

Registration Details

Analyze Date	2026-08-01 07:59:41
Symbol	CTBI
Name	COMMUNITY TRUST BANCORP INC
Sector	Financial Services >> Banks - Regional
Market	NASDAQ
Listed Shares	18.16 M
Par Value	N/A
Calculated From	Quarter
Sign	N/A
Market Cap (M.USD) / Sector Average	1,418.04 / 6,970.30

News, Concensus, ...

Estimation Consensus	See at WSJ.com
Full details	See at WSJ.com
Chart	See in Chart feature
News	See at Yahoo Finance

Address: 346 North Mayo Trail, Pikeville, KY, United States, 41502

Phone: 606 432 1414

Website: https://www.ctbi.com

Employees: 970

Sector: Financial Services >> Banks - Regional

Description: Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides various commercial and personal banking, and trust and wealth management services. The company accepts time and demand deposits, checking accounts, regular and term savings accounts and savings certificates, individual retirement accounts and Keogh plans, and money market accounts. Its loan portfolio includes commercial, construction, mortgage, and personal loans; lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing; residential and commercial real estate loans; consumer loans; hotel/motel loans; and other commercial loans. The company also provides cash management, renting safe deposit boxes, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities and undertakes repurchase agreements. In addition, it offers securities brokerage services; debit cards; annuity and life insurance products; and repurchase agreements. The company serves small and mid-sized communities in eastern, northeastern, central, and south-central Kentucky, southern West Virginia, and northeastern Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.